1929-2016: 98 market interruptions due to negligence, misfeasance, malfeasance, malingering, fraud, theft, tax evasion, and other such avoidable tragedies. But as anyone can see, the rich keep getting richer.

List of some economically significant events since the Great Depression
Timeline Before Study– Notable events
1929 Market Collapse into Great Depression
1936 Wagner Act passed
1937-38 Recession within Depression

Timeline of Study
Postwar Period

1946 Repatriation of solders

1946 Women frozen out of jobs

1946 Marshall Plan

1948 Taft-Hartley Act

1948 Red Scare & Permanent War Footing of US Economy..

1950 s Cold War (until 1988)

1955 Bracero Program

1959 Steel Industry Strikes

1959 Space Race – Frittering away our commonwealth into orbit

1960s The Conquest of Cool

1960 “Mad” Men

1960 The Pill

1960 Mutually Assured Destruction Doctrine of Nuclear Power Balancing

1962 Kennedy Slide aka Flash Crash of 1962

1963 Studebaker Motors Pension Fund Failure

1963 Kennedy Assassination

1964 Equity Funding Mutual Funds Failure

1968 Martin Luther King Jr. Assassinated

1968 Robert F. Kennedy Assassinated

1968 Nixon President by fluke

1971 US dollar now backed by oil

1973-1974 stock market crash due to high oil prices

1973 OPEC Oil Embargo on US

1973 Inflation at 3.6%

1974 ERISA passed to cover bad private pension debts like Studebaker

1974 Inflation at 9.4%

1975 Privatization of Fannie Mae and Freddie Mac pays for part of VietNam War.

1977 Inflation at 5.2%

1980 Inflation at 13.9%

1980 Reagan selected

1980 Business is cool

1980 Deregulation, privatization, destruction of unions

1980 Fiscalization of national product, Phillips Curve invoked

1981 Savings and Loans deregulation, speculation allowed

1981 Deep recession begins; the worst since Depression

1985 Savings and Loan Crisis; Big bailouts needed. No one went to prison but Charles Keating. The Bush’s sure didn’t and they were involved. Greatest bank collapse since the Great Depression. (Remember this phrase. It occurs all too often.)

1987 Black Monday: largest stock market drop since the 1929 crash.

1989 Rio De Janeiro stock exchange crash

1989 Friday the 13th mini-crash

1990-1991 Recession; largest since early 1980s.

1991 Japanese asset price bubble

1992 UK forced to withdraw the pound sterling from the European Exchange Rate Mechanism (ERM) after the UK could no longer keep sterling above its agreed lower limit.

It is difficult to “get ahead,” as in “accumulate assets,” in today’s radically uncertain investment markets. Nevertheless, it is received opinion in the US that if one “plays by the rules” one can “succeed.” This kind of success is narrowly defined as being able to save up enough money to buy a home, raise children, send them to college, and then retire without being a “burden on society.” These rules, although strict, included legal protections for workers and consumers. More people prospered under these regulatory regimes.

Now, the regulatory regimes have been attenuated, weakened, maligned, and captured. As a result, corporations have been allowed to legally plunder the people that they are meant to serve. Their avarice knows no bounds. These financial actors are cannibalizing their hosts, we the people and the planet we depend upon for life, without even a thank you. In the corporate jubilation that followed every deregulation and privatization, our savings and home equity were plundered without apology or punishment of the perpetrators. I aim to show the levers and gears of these financial meltdowns, their causes, the failures that follow, and the effects of those failures on the typical nuclear family. I intend to demonstrate that a paradigm shift is occurring right now about how the USA might right its financial ship and get back in touch with its inhabitants. Young people are saying we have to figure out how to reward ourselves in ways that take into consideration equity, equality and fundamental fairness. We have to figure out how to invest in ways that create happy communities and happy families. How can investors protect their assets in a world gone mad?

1) Abstract

It is difficult to “get ahead,” meaning “accumulate assets.” However, it is received opinion in the US that if one “plays by the rules” one can “succeed.” This kind of success is defined narrowly as being able to save up enough money to buy a home, raise children, send them to college, and then retire without being a “burden on society.” These rules included legal protections for workers and consumers. A broader range of society prospered under these regulatory regimes.

Now, the regulatory regimes have been attenuated, weakened, maligned, and captured. As a result, corporations have been allowed to legally plunder the people that they are meant to serve. Their avarice knows no bounds. These financial actors are cannibalizing their hosts, we the people and the planet we depend upon for life, without even a thank you. In the corporate jubilation that followed every deregulation and privatization, our savings and home equity were plundered without apology or punishment of the perpetrators. I aim to show the levers and gears of these financial meltdowns, their causes, the failures that follow, and the effects of those failures on the typical nuclear family. I intend to demonstrate that a paradigm shift is occurring right now about how the USA might right its financial ship and get back in touch with its inhabitants. Young people are saying we have to figure out how to reward ourselves in ways that take into consideration equity, equality and fundamental fairness. We have to figure out how to invest in ways that create happy communities and happy families. How can investors protect their assets in a world gone mad?

2) Introduction

In 2015, Japan’s sovereign debt offerings went into “negative” territory. This means that Japan is offering its bonds on the market and expecting investors to pay for the privilege of holding its debt rather than paying interest.

Japan can expect to sell its debt instruments, even with that premium cost to the holder, because sovereign debt of big rich nations like Japan and the USA is considered a safe and stable place to park investor funds when other markets are deemed too risky for investment. In other words, people do not want to purchase the debt of countries like Greece (an extreme example to illustrate the argument) because there is no assurance that their funds will be safe.

Why do nations have to sell bonds to finance their operations? Because their current accounts do not have enough money to fund all the services the nation provides. Why is it that nations do not have enough money to fund their services? There’s a two part answer: first, nations must invest in capital-intensive projects like maintaining roads and schools that cannot always be financed with current tax revenues and second, individuals and corporations avoid or evade their tax obligations using a combination of legal and illegal means. There’s a third reason that most students of economics are reluctant to raise: the economic system itself, prone to booms, bubbles and busts, makes it difficult to accumulate and retain capital. There are winners and losers in monopoly capitalist systems and the losers are more likely to be small investors and governments. The system has been rigged for the rich. Movements of large sums are artificially influenced by the basic view that capital has to earn income. Transnational corporations have near complete control over movements of capital in the 21st century; thus governments are starved and people are starved, enslaved, made ill, injured or killed.

The preceding views spring from a background in the Critical Law and Economics discipline. Nothing happening today in the world economy gives us cause to celebrate. Not just Japan, but many European countries have been running negative interest rates since 2015.

Complaints across the political spectrum about continually increasing amounts of regulation to control money flows and dampen capital flight may make it mandatory for us to look at ways to “take it off the top” rather than spend billions chasing the money after it has flown. The Financial Transaction Tax in its various forms, also known as a Tobin Tax, presents itself as a rational method for governments to collect enough taxes to take care of their people’s needs.

3) Inspiration

This work springs from research conducted in support of a thesis, a risk/benefit analysis on using a Financial Transaction Tax rather than FATCA and international tax treaties to raise funds to satisfy the tax needs of nations on a global basis. The unfathomable size and scope of the colossal government and private institutional bureaucracies needed to enforce FATCA and tax treaties could make the discussion in favor of an FTT with global reach fruitful to analyze.

Holding up a new analysis of the risk/benefits of FTT alongside the ever-increasing need for global Anti-Money-Laundering (AML) laws, regulations, policies and operationalization may make the case for an FTT impossible to ignore.

I bolster my argument by providing an historic excursion through a few decades worth of misguided-at-best, war-crime-bad at worst, geopolitical financial actions. For many observers, it is clear that trusting the invisible hand of the market makes cash disappear like magic into the unaccountable maw of vertical integration, offshore banking and underground economies.

Operationalization

This paper will provide a “people’s history” rather than a close financial analysis of each of the events listed herein. There will be plenty of room for quibbling with each of my analyses but the arc of history will demonstrate that emphasizing faith in a rigged system is a ludicrous fantasy.

5) The WWII Postwar Period 1946-1960

a) How war profiteering led to the Marshall Plan

To remedy the unspeakable devastation wrought on Europe and Asia by WWII, American policymakers devised The Marshall Plan. The Marshall Plan aimed to provide the means for European nations to rebuild their infrastructure and economies. Our high school history books present the Marshall Plan as an altruistic outpouring of love on our devastated allies. In fact, the Plan was necessary to provide new markets for the massive production capabilities America developed during the war. Our war profiteers needed market growth to maintain and increase their earnings. Capitalism’s basis tenet is that it must grow, or die. In the infinite world we perceived before the Industrial Revolution, that fantasy could be maintained. Today, we live in a finite world shrunken by 21st century-style globalization and communicate instantly across the globe by means of the Internet. We know that our seas are the last home for incalculable amounts of land-based toxins and our water and air are the last frontiers for corporate control.

b) Erosion of Labor Law @Taft-Harley & Demobilization of female workforce after WWII

American workers who sacrificed economic benefits of their labor during WWII were told that they were patriots. Thus, they accepted that wages were artificially held down by anti-strike provisions and wage freezes. When the war ended, workers expected to reap the fruits of their labor. The period directly after WWII saw huge increases in labor activities as rank and file members sought to make good on their deferred hopes. When we began to repatriate our veterans as the World War wound down, we had to make sure that they had jobs to return to. Thus, management pressure and government policies acted to take away jobs from women, who had constituted a high percentage of the labor force during the war. Strikes, work-to-rule, and secondary boycott actions increased dramatically. Legislators took action: the Taft-Hartley Act, passed in 1948, began the long process that has decimated the union movement in the US. Workers were “protected” from union “abuses” under the Act.[1][2]

[2] National Labor Relations Act, aka Wagner Act, was enacted in 1935 as a measure “just to labor,” whose grievances became ever more obvious during the Depression. It was imperative, to boost the economy, that people had income to spend and goods to consume. https://www.nlrb.gov/who-we-are/our-history/1935-passage-wagner-act Accessed 2/15/2016

[3] Various social problems in the US have been identified as “wars” for similar reasons. One example is the “War on Drugs,” the US’s most expensive and longest war, going on four decades now.

“The fraud at Equity Funding Corporation of America was essentially a securities fraud. While much attention has been focused on the insurance aspects, especially the manufacture of bogus policies, that activity was merely one part of a much larger stock fraud that began at or before the time Equity Funding’s first public offering in 1964. The perpetrators of the fraud, who were major holders of the company’s stock, intended to inflate and keep the market price of the company’s common stock for the purposes of personal enrichment and ego enhancement. They wanted to be known as the management force behind a company believed to phenomenally successful. The fraud was implemented principally by inflating the company’s reported earnings largely through recording nonexistent commission income. This practice appears to have begun at least as early as 1964 in anticipation of the company’s first offering of common stock…”
###

[8] American Institute of Certified Public Accountants. (1975). Report of the Special Committee on Equity Funding: The adequacy of auditing standards and procedures currently applied in the examination of financial statements. New York: American Institute of Certified Public Accountants.

[19] Zinn Education Project. Howard Zinn is the author of the groundbreaking book The People’s History of the United States.

Black Panther Ten-Point Platform.

We want freedom. We want power to determine the destiny of our Black and oppressed communities.

We want full employment for our people.

We want an end to the robbery by the capitalists of our Black and oppressed communities

We want decent housing, fit for the shelter of human beings.

We want decent education for our people that exposes the true nature of this decadent American society. We want education that teaches us our true history and our role in the present-day society

We want completely free health care for all Black and oppressed people.

We want an immediate end to police brutality and murder of Black people, other people of color, and all oppressed people inside the United States.

We want an immediate end to all wars of aggression.

We want freedom for all Black and oppressed people now held in U.S. federal, state, county, city and military prisons and jails. We want trials by a jury of peers for all persons charged with so-called crimes under the laws of this country.

We want land, bread, housing, education, clothing, justice, peace, and people’s community control of modern technology.

Deborah Lagutaris has a Law and Society BA from UC Santa Barbara with a minor in 20th century political history. She has a law degree from UC Hastings College of the Law, and ABT in the LL.M. Taxation – International Taxation and Wealth Management concentrations at Thomas Jefferson School of Law.

1. The Financial Transaction Tax is the most effective, efficient tax-gathering method. Bernie Sanders proposes FTTs to fund free public college etc. FTT is typically under 1/10th of a percent of chosen gross speculative trades.

2, Speculation is not a productive economic activity. It’s just gambling activity of the highest order for the .01% and produces nothing for society.

Now the US economy is largely made of the profits that rich people make merely by moving their money from one place to another. Big corporations make a lot of money just by moving it around. Good things thereby are not being created; bad things are not being destroyed.

3. The tax you never have in your hand you cannot cheat on.

If these big corporations refuse to pay their US taxes, let them pay some other way, a way they can’t lobby away and recapture.

4. A business should not rely on playing tax games to reward its stockholders. In that way, corporations are stealing the money we the people should have for common needs like infrastructure, government, and education.

A business should not be in business to take other people’s money and then not perform the job or the act. And then laugh about it and steal some more. A business should not be in business to cheat the US government out of taxes. Corporations have already engineered such elaborate loopholes; they can even become credits.

It should be illegal to hide money outside the US that earned with US resources and paid for by US citizens. It is not, as Apple said, a corporation’s duty to evade taxes because of their duty to their stockholders’ pocketbooks. Yeah right. Nice try. It is nothing more than a money tornado sucking up the money of the poor. The rich can never have enough.

There are a lot more reasons. I am just getting started here! Next: Answering objections to the FTT.

The New York Times frets that Hillary’s campaign suffers from “a lack of enthusiasm.” Well yeah, duh! People keep saying that Hillary is “the one,” yet the public keeps demonstrating how reluctant they are to support a chameleon candidate whose views shift according to polls. This enthusiasm gap is handily demonstrated in a major social media platform. I am not a political naif. I started my education in 1969 as a political science major. During these years I shifted my alliances from the right of the Republican Party to the left of the Democratic Party based on the tractor-trailer truckloads of evidence that counters the GOP worldview I was raised on. So here are the four reasons of the day!

First, Bernie is totally electable. He has a statistically significant lead among Facebook followers.

Then I thought I should go see how many followers the other Democratic candidates had. Hillary Clinton has FEWER Facebook followers than Bernie Sanders. That’s right. She has been in politics for 40 years, has nearly limitless money, a lock on the corporate media, and she still has fewer followers than Bernie.

Most people in the US have not been offered the opportunity to learn more about Bernie’s ideals and plans. His lead can only grow.

*math approximate. I did not count all the Bernie and Hillary FB pages, only the most prominent

2. Bernie will be able to work with Congress because he will carry Democrats into offices across the nation.

Many people lament the gridlock in Washington and most of our state capitols. They cannot see how the President can make a difference.

My theory is that the ENTIRE US House of Representatives and a full 1/3 of the Senate is up for re-election. If Bernie’s following continues to grow at these astonishing rates, he will have long electoral coattails. In other words, people who vote for Bernie are not likely to put up with posturing triangulators and fear mongers in other offices. The Republicans and a good many DINOs will be tossed out of office.

Even if they aren’t tossed out, Bernie knows how to work across the aisle without compromising his principles.

Forget Denmark! Germany’s is a nation of more than 80,000,000. Their social democracy features a form of universal health care. Labor unions share the seats on corporate boards 50/50 with company management. This country is the economic engine of Europe.

The benefits that Germans receive, such as health care, at least a month of vacation time, shorter work days and scads of other perks more than make up for the $10K difference in annual income between the USA and Germany per capita. It also allows German families family time to build those family values. Pensions are generous.

Colleges in Germany are FREE for people from all over the world. Germans enjoy superior elementary education and well-maintained infrastructure. Germans are allergic to waging wars. The cost has been too high. Let’s get our peace dividend and let someone else police the world.

Only the mouthpieces of billionaires like Forbes and Bloomberg see a problem with it. If we take a tiny amount off the top, like .005%, then they cannot hide it in tax “havens.” People who earn great benefits from American workers and consumers should pay it forward, not squirrel it away. If you don’t have it, you can’t hide it!

We could get rid of volumes of tax law that are littered with loopholes. All of those lawyers and accountants could be helping people instead of trying to figure out how to steal “honestly” and cheat our country.

In conclusion, it seems to me that the only obstacles standing in the way of a Sanders Presidency are those without a vision of a peaceful future. You cannot wage war to gain peace. Everybody knows THAT!

Screenshots from my Etsy trends email of February 23, 2018, a week after the Parkland murders. They made me ill. If they strike fear into your heart or roll your stomach, please sign my petition at MoveOn I am including … Continue reading →

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I started listening to jazz as a teen. I got it full time in my car in 2006. It soothed my weary soul. People say jazz takes them out of their humdrum day. It always lifts my mood.

Yesterday, on my local jazz station KCSM, Melanie and Chuy played Miles Davis “Ain’t necessarily so.” I wanted to hear it again.

Found it in Mile’s recording of the music from Porgy and Bess. I decided to spin the whole album this afternoon.

It is one of the most profound musical performances of the 20th Century. Davis followed up Porgy and Bess the very next year in “So What.” “So What” is the best selling jazz record of all time. Five thousand new copies are sold every week. It was released in 1958.

Promissory estoppel is a common law contract doctrine that may apply to DT’s tentative repeal of the “Dreamers” status. Our young people who were brought to the US as children and thus had no say in whether they were “legal” must be protected. We can do that by fighting hard to protect their status and their rights.

How can we do that? By dipping into our legal toolbox for the proper tool.

Legal concepts are described and defined by “elements.” Ordinarily, a contract is created by satisfying four elements:

Which here substitutes for consideration, even through there is no monetary consideration from promissee

Causes a substantial economic detriment effect to the promisee

The Presidential Order on DACA was a promise to those children who were brought from out of the country by their parents, and had no control over being brought to the USA. The Dreamers have, as they have matured, acted upon the promises of DACA to build their lives as Americans do. They graduated from high school, went to college, or learned a trade. Some have married now and are raising families in the USA.

They thus acted with reasonable reliance on the promise of DACA. They were economically harmed by the reversal and the threat of deportation.

This is a unilateral contract where no consideration was tendered by the Dreamers. But the doctrine of promissory estoppel says that their actions based on reasonable reliance are the equivalent of consideration.

Removal from the USA would cause catastrophic economic detriment to the Dreamers. They are unsuited to earning a living in other countries. If homeowners they would lose their homes and the money they put into them. They may not even speak the language of the country where they came from.

History of application of promissory estoppel relevant to DACA

This doctrine was used to defend students at a major California law school. During the school shutdowns in the early 1970s, classes were not held for a year. The school decided that the exams at the end of that year would cover an entire two years of instruction.

Many of these students were recruited by a legal education opportunity program. These programs are designed to help students who had to overcome significant obstacles to get to law school. Many were first-generation college students. This is a big handicap, believe me!

Of course, many of these students did not pass under this draconian two-year exam protocol. Using the promissory estoppel doctrine, they argued that they had been promised a chance to make it through law school and the testing method denied them that education.

Failure to graduate from law school would cause them substantial economic harm.

Therefore, because promissory estoppel is a common law doctrine, class action suits similarly might be brought in every state where DACA beneficiaries reside.

Presidential prerogative

In case you are wondering, alien residents of the USA have some rights defined by the Constitution. Furthermore, immigration laws apply “federally,” that is, in every state. The President may make policy about immigrants. GOP assertions that the executive order establishing Dreamer status are confused.

Deborah Lagutaris has a law degree but she does not practice law. Ms. Lagutaris holds an LL.M. Legal Master Degree in International Taxation and Wealth Management. Furthermore, she is a Licensed California Real Estate Broker. Learn more about her at One Tax Mind.com

This article is not legal advice nor does it create an attorney-client privilege.

I wonder why this person is important enough to appear in the NY Times. Two people who are considered so-called leaders of the Right are the only ones who commented at 12:24AM on July 21, 2017. The notorious Paul Ryan (R-Ayn Rand) and the pompous Bret Stephens (R-dull) are the first commenters. Is this a play for sympathy in order to promote the vote on the “health care” bill?

*this part is fake news. There is no information now that points to suicide. I wanted to show you how easy it is to create controversy.

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Every single page of the site including the admin directories have the same error. Happened between April 27 and now.

Yes, some of us may not be actually disabled. Maybe about 10% of every human group will have cheaters and sneaks. Ok. But still, that leaves 90% of the 10% of us disabled people who must have help to survive.

You might ask, “Why should I care about disabled people staying alive?” People would think that is a good question to ask. It is. Because I can tell you why.

Our human abilities are not diminished or extinguished by the disabilities we bear. Rather, it directs your focus to the benefits our disabilities provide. We perforce must dwell on the minutiae of our daily lives in a way the abled do not understand. We don’t mind that they don’t understand. We just want to move forward with our lives, serving our communities, to help those who follow us to build great neighborhoods.

What we should be doing as a society is helping our friends struggling with disability rather than punishing everyone for the low achievers. We are trying as hard as we can to scrounge up the bit of work we can do while reclining on a special air mattress 24 hours a day for example.

I can write, for example. I am finding ways to get paid for my writing. People ask me to help them fill out forms. I am a Registered Tax Return Preparer, ID P01584295. Some months I earn enough to pay for some groceries, maybe a half-tank of gas. I can work harder and more effectively if I am not distracted by rather serious pain. Better if I get help so I don’t overdo, like dusting, or standing for more than 5 minutes. Four or more times a day and I am back to air-mattress for a week’s worth of healing.

Still, I can keep up on my research projects. I run several automated browser searches for topics I follow closely. Near and dear to me is the political climate surrounding disability. I was a disability advocate before I became disabled myself.

Today a glib, ill-informed article by one Peter Cove crossed my path, entitled “US Disability Programs Need a Work Requirement.” Let us start by defining terms, something Mr. Cove avoids. What US disability programs is he talking about? The ones for people like me who cannot hold a job in today’s market? Workers’ Comp programs, designed to pay a worker who was hurt while doing his job.

Mr. Cove elides welfare payments and disability payments, although their aims are completely different. Could it be that he has never had a disabled person in his life?

Welfare helps families without the ability to provide for themselves and support them until they can train and get good work at a reasonable wage. The reason that disabled people receive benefits is because we are a civilized society who thinks that the least of us should be cared for even if we can’t hold a job.But we contribute far more than you could ever know to the web of knowledge under our society.

We have physical and mental disabilities that make it impossible to work. That’s why his assertions about the need to make us work is ridiculous. Disability is natural. It is always among us even when invisible.

So back to Mr. Cove’s lugubrious blathers about the success of the welfare-to-work programs of the 1990s, as he completely fails to distinguish between the impoverished- unemployed and the disabled populations. His book “Poor No More” has two reviews on Goodreads, two years after it came out. Methinks his nonprofit and his posturing about putting those lazy disabled to work is designed only to feed Limbots and other nattering nabobs of hate. subsequently I learned that Mr. Cove was asking $99 for a hardcover copy of his book. What is the purpose of this sham book written by a sham person, we wonder?

That is one definition of disability; a condition incredibly perilous yet difficult to prove in the face of bureaucratic hostility.

This is the time of the year to celebrate Ed Roberts’s birthday. Ed was admitted to UC Berkeley after one of the faculty members said, “We tried cripples before and it didn’t work.” Schoolwork wasn’t a struggle, but keeping up with everything else was a struggle. When you are disabled you can slide back downhill into the pit of homelessness within a month.

https://en.wikipedia.org/wiki/Ed_Roberts_(a)ctivist

Polio paralyzed him from the neck down. His lung muscles were paralyzed. He had to sleep in an 800-lb iron lung at night. It breathed for him.

Against all odds, he was a stellar student and was admitted to UC Berkeley in 1958.

Roberts graduated in 1962, two years before the Free Speech Movement transformed Berkeley into a hotbed of student protest. When his search for housing met resistance in part because of the 800-pound iron lung that he slept in at night, the director of the campus health service offered him a room in an empty wing of the Cowell Hospital.

Roberts accepted on the condition that the area where he lived be treated as dormitory space, not a medical facility. His admission broke the ice for other students with severe disabilities, who joined him over the next few years at what evolved into the Cowell Residence Program.

On Friday, Donald J. Trump, the embodiment, instrument and provocateur of American animus, was installed — and I use that word with purpose and displeasure — as America’s 45th president. He delivered a particularly inauspicious speech to a seemingly sparse crowd, presenting a vision for America that would best be described as aggressive atavism, a retrograde positioning of policy that threatens to drag the country back to a time of division and fear and hostility, when some stand in the light by casting others into darkness.

About Via LaRosa

You might wonder why Ms. LaRosa has written all this stuff for the Internet. Well, she is a scientist, a writer, a student, and a teacher, now disabled. She reads, researches, and writes about her findings.

She graduated from law school in 2004 at the age of 54. She started law school three weeks before 911, and the experience turned out to be educational in ways she never could have anticipated.

Most recently, she is working on an LL.M. degree in International Taxation & Financial Services via the Internet.

Ms. LaRosa likes to have fun and does not like character-building experiences.

This website was born on November 27, 2011. She will fix it, whatever it is.

Please contact her at via at olivialarosa.com; only clean and legal communications. Thank you so much.